Daily benefits insurance Communications sick pay
- Financial security for longer illness
- Performance also for Sundays and holidays
- Individual protection
- Tax-free services
- No waiting
Daily benefits
from the 43rd day
even while
Cure, rehabilitation or hospitalization
even with gradual
reintegration
- no waiting times
Daily benefits
from the 43rd day
even while
Cure, rehabilitation or hospitalization
even with gradual
reintegration
- no waiting times
Sickness allowance for illness of a child
Sickness Benefits Calculator Calculate your supply gap
Daily benefits insurance Services at a glance
| Communications sick pay | DFV-KrankenGeld Plus |
|---|---|
| Daily benefits |
from the 43rd day of disability
Sickness allowance while medically necessary
- outpatient or inpatient treatment
- stationary sanatorium treatment
- outpatient or inpatient rehabilitation measure
- inpatient treatment
Additional doubling of the agreed daily sickness allowance for max. 12 months
Further payment of the agreed daily sickness allowance with gradual reintegration into the professional activity
- Employee max. 6 months
- Self-employed max. 6 weeks
Continued payment of the agreed daily sickness allowance if occupational disability or reduced earning capacity occurs during a work incapacity
1st – 3rd month 100%
4th – 6th month to 50%
that the 12th year of life has not yet completed
- if there is no entitlement to payment by employer or GKV
- regardless of a waiting period
- for the birth of a child of the insured person during the contract period
- regardless of a waiting period
Important reasons for one Daily benefits insurance
Financial risk in case of prolonged illness
“In case of illness, the employer still pays my full salary”. True, but only for 6 weeks. And then? The statutory health insurance pays you a sick pay, but the difference between net income and sickness benefit can quickly amount to a few hundred euros – and at the same cost. Better, you ensure in good time.
How to secure your income in case of prolonged incapacity for work
With the sickness allowance insurance DFV-KrankenGeld you secure your usual monthly net income in case of prolonged inability to work. Your savings will remain untouched. And more importantly, they do not worry about the money and just get well again in peace.
Digital, mobile and service-oriented
With us you never lose track. In the DFV customer portal, you can access your contract documents at any time and download them. In addition, you have access to our service center and the quick adjustment.
When you’re on the go, you’ll also find your wallet card in the e-mail. This means that your insurance certificate and all service numbers are also available on the go.
“In case of illness, the employer still pays my full salary”. True, but only for 6 weeks. And then? The statutory health insurance pays you a sick pay, but the difference between net income and sickness benefit can quickly amount to a few hundred euros – and at the same cost. Better, you ensure in good time.
With the sickness allowance insurance DFV-KrankenGeld you secure your usual monthly net income in case of prolonged inability to work. Your savings will remain untouched. And more importantly, they do not worry about the money and just get well again in peace.
With us you never lose track. In the DFV customer portal, you can access your contract documents at any time and download them. In addition, you have access to our service center and the quick adjustment.
When you’re on the go, you’ll also find your wallet card in the e-mail. This means that your insurance certificate and all service numbers are also available on the go.
Close the supply gap with the Communications sick pay
Benefits of sickness allowance insurance Communications sick pay
Daily benefits
In the event of a prolonged illness and associated disability, your employer is required to continue to pay your salary for six weeks. From the 43rd calendar day onwards, your statutory health insurance will pay up to 90 percent of your gross salary. Should your illness be of longer duration, you will have a financial gap that our health insurance will close for you. Our benefit compensates for the financial difference between normal income and the statutory sickness benefit. The DFV KrankenGeld offers you a loss of earnings insurance from the 43rd calendar day of incapacity for work, with no time limit.
reintegration
Reintegration measures are designed to gradually recapture workers, after a prolonged period of illness, to the burden of their employment. The work performance is not yet fully provided at this time and thus not fully compensated for the gross salary. In the event of reintegration, the daily allowance insurance of the DFV ensures that they are financially secure. As you gradually resume your employment, you will continue to receive sickness benefits until you are fully back in business. The DFV-KrankenGeld allows you a worry-free recovery.
Rehabilitation and hospitalization
Severe accidents or illnesses require a long recovery, which can be promoted by rehabilitation or treatment. Treatments of this kind are both outpatient and inpatient. In case of inpatient treatment, the patient is confronted with a loss of 10 euros per calendar day, in addition to losses in net income. With the DFV sickness insurance you receive sickness allowance for every calendar day of disability. Also in the case of medical rehabilitation measures, with ambulatory or inpatient treatment as well as hospital stays, Deutsche Familienversicherung is at your side.
Sickness allowance for illness of a child
The employment of working parents is not only dependent on their own state of health, but also that of their children. If you can not pursue your employment because of a sick child, your employer will initially pay your wages. From the 6th day on, your health insurance will cover a maximum of 90% of your net salary. There is a financial gap. The DFV relieves you of this concern. With the DFV-KrankenGeld Plus you are financially secure in the event of a career break due to the illness of your child. The daily sickness allowance will be paid up to 10 working days and you can fully concentrate on the recovery of your child.
Being unable to work costs hard cash sample calculation
Nobody likes to think that an intervertebral disk operation or a complicated bone fracture can put you out of action for a long time. But when it does happen, you will not only be burdened with physical and psychological but also with high economic burdens.
| gross income | 3,000.00 € |
| Net income monthly | 1,888.00 € |
| Sickness benefit from the 7th week (90% v. Net) | 1,699.00 € |
| ./. Social security contributions (12.13%) | 206,00 € |
| Sickness benefit net | € 1,493.00 |
| Your monthly gap | 395,00 € |
Frequently asked questions about sickness allowance insurance Communications sick pay
Can the sickness allowance be adjusted later??
Salary increases mean that the monthly difference between your usual net income and the sickness benefit paid by your health insurance will increase over time. Therefore, it is important to adjust your private pension accordingly. With salary increases, you can adjust your previous daily sickness benefit to the new income situation within three months, without renewed health check and without waiting times.
Who is entitled to statutory sickness benefit?
As a full-time employee, every legally insured person is entitled to sickness benefit. Family insured, interns, students, freelancers and the self-employed are generally not entitled to statutory sickness benefit. This is only available to you if you have secured yourself separately. Furthermore, there is the right to the statutory wage replacement only if the medical sick leave throughout, even on weekends, is dated. If there is a time gap, this can endanger your entire entitlement to sickness benefit.
What is the difference between incapacity for work and disability??
You are considered incapacitated for work if you are temporarily unable to work due to illness, accident or rehabilitation / cure. In most cases, treatment will be done during incapacity for work and it is expected that you will recover. It is a temporary condition that ends in recovery or disability remains. They are deemed to be unfit for work if permanent damage to health exists or is to be expected. This is therefore an ongoing condition. Whether the statutory pension insurance or a private occupational disability insurance provides benefits depends on further criteria.
How high should the sickness allowance be??
The amount of sickness allowance should be selected so that it covers the monthly need for living. The statutory health insurance company will pay for up to 72 weeks in the form of the sickness benefit, which amounts to 70% of the gross salary and a maximum of 90% of the net salary. You should balance this difference with the sickness allowance. Keep in mind that your daily sickness allowance may not exceed your annual net income.
When am I entitled to child sickness benefit?
If your child falls ill, it needs your undivided care.
You are entitled to child sickness benefit if:
- A doctor certifies that your child is ill and needs care.
- Your employer indemnifies you for a period unpaid.
- No other household person can care for the child.
- Your child is under 12 years old at the time of the illness.
- Your child is also insured by law.
If these criteria are correct and you have an income gap, we pay the agreed daily sickness allowance per child for up to 10 working days. If you have more than one child, your claim is valid for a maximum of 25 working days in the insurance year.
Salary increases mean that the monthly difference between your usual net income and the sickness benefit paid by your health insurance will increase over time. Therefore, it is important to adjust your private pension accordingly. With salary increases, you can adjust your previous daily sickness benefit to the new income situation within three months, without renewed health check and without waiting times.
As a full-time employee, every legally insured person is entitled to sickness benefit. Family insured, interns, students, freelancers and the self-employed are generally not entitled to statutory sickness benefit. This is only available to you if you have secured yourself separately. Furthermore, there is the right to the statutory wage replacement only if the medical sick leave throughout, even on weekends, is dated. If there is a time gap, this can endanger your entire entitlement to sickness benefit.
You are considered incapacitated for work if you are temporarily unable to work due to illness, accident or rehabilitation / cure. In most cases, treatment will be done during incapacity for work and it is expected that you will recover. It is a temporary condition that ends in recovery or disability remains. They are deemed to be unfit for work if permanent damage to health exists or is to be expected. This is therefore an ongoing condition. Whether the statutory pension insurance or a private occupational disability insurance provides benefits depends on further criteria.
The amount of sickness allowance should be selected so that it covers the monthly need for living. The statutory health insurance company will pay for up to 72 weeks in the form of the sickness benefit, which amounts to 70% of the gross salary and a maximum of 90% of the net salary. You should balance this difference with the sickness allowance. Keep in mind that your daily sickness allowance may not exceed your annual net income.
If your child falls ill, it needs your undivided care.
You are entitled to child sickness benefit if:
- A doctor certifies that your child is ill and needs care.
- Your employer indemnifies you for a period unpaid.
- No other household person can care for the child.
- Your child is under 12 years old at the time of the illness.
- Your child is also insured by law.
If these criteria are correct and you have an income gap, we pay the agreed daily sickness allowance per child for up to 10 working days. If you have more than one child, your claim is valid for a maximum of 25 working days in the insurance year.
Again desire to scroll? All documents for download
Below you will find the insurance conditions of DFV Deutsche Familienversicherung AG in the current version. If you take out insurance with us, we will send you the insurance conditions in the currently valid version together with the digital insurance certificate (e-policy).
Questions about our conditions? Give us a call.
069 95 86 99 14
(Monday – Friday 08:30 – 19:00)
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